The most comprehensive water damage insurance in Canada


Until recently, Canadian homeowners weren’t able to buy insurance to protect their home from overland flooding. With our new Comprehensive Water coverage, you get exactly that. It doesn’t matter how sudden or accidental water enters your home – you’re protected.

Already available in Alberta and Ontario, Comprehensive Water replaces our Extended Water coverage as we continue to roll it out across Canada. It provides coverage for everyone, even those with the highest risk of water damage caused by:

  • Water, septic or sewer backups
  • Flooding from an overflow of a creek, river or lake
  • Accumulation of water from heavy rainfall and extreme storms

Other changes include:

  • Complete, all-in-one coverage: Consolidates all water coverage options, making it easy.
  • Personalized coverage: The amount of your coverage is tailored to your unique home.
  • Flexible deductible: Instead of paying a flat-dollar amount, your deductible will be a percentage of your claim amount from 2% to 35%, with a $1,000 minimum.
  • No obligation to rebuild in the event of total loss: If your home is damaged beyond repair, you receive the actual rebuilding cost with materials of similar quality up to your insurance limit, with no deduction for depreciation. You can also choose to rebuild at another location.
  • Emergency living expenses: You’ll receive six weeks of living expenses if you can’t return to your home, or if you’re evacuated for a nearby flood.
  • Landscaping coverage: Coverage to replace outdoor trees, shrubs and plants within 30m or 100ft of your home in the event of a flood.
  • Loss prevention reimbursement: Up to $5,000 for flood prevention measures you take to protect your property if a civil authority issues an immediate flood warning.

Discounts for water loss prevention

If you have water loss prevention devices, such as a backflow prevention device installed on the sewer or septic line, or a secondary sump pump with an automatic backup, you may be eligible for a discount. Before you install one of these devices, check with your city or licensed plumber to confirm which devices are recommended for your area and what would work best for your home.

Is your home at risk of water damage?

Learn more about how to stop water damage to your home by visiting water.cooperators.ca. Take a short risk assessment to determine the water risk in your area and get tips to prevent damage.